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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,059 | $64,719-59.7% | $112,249-76.8% | $68,486-61.9% |
| Participation rate | 96.6% | 67.2%+29.4pp | 75.1%+21.5pp | 67.9%+28.7pp |
| Annual return | -20.17% | -11.40%-8.8pp | 27.48%-47.6pp | -7.85%-12.3pp |
| Employer contribution / active EE | $6,981 | $2,747+154.2% | $3,636+92.0% | $2,597+168.8% |
| Participant deferral / active EE | $2,443 | $3,565-31.5% | $4,729-48.3% | $4,028-39.3% |
| Admin fee / account holder | $1,041 | $5,232-80.1% | $6,412-83.8% | $5,404-80.7% |